Melio users can make international payments to vendors across Asia-Pacific, Europe, Latin America, and other regions. We're continuously expanding our coverage. You can see our complete list of supported countries here. Melio only supports international payments that originate in the United States.
With Melio, you can pay global vendors directly using ACH bank transfer, Mastercard, or Visa credit card as the payment method. All international payments are delivered as wire transfers to your vendors. You can find the following information in this guide:
- What are international payments
- Understanding foreign currency payments
- Vendors with both domestic and international addresses
- Unsupported industries
- How to make an international payment
What are international payments?
International payments are transactions where you pay a vendor located outside of the US and Puerto Rico. Here are key details to know:
- Melio only supports international payments that originate in the United States. Payment methods must be located in the USA.
- All international payments sent through Melio are delivered as wire transfers to your vendors.
- Payments over $100K will take an additional 1 business day to process. To see more on our payment delivery timelines, please see the following guide.
Factors that might slow down delivery:
- Weekends and holidays (every country has different bank holidays)
- Errors in payment details, such as account numbers and SWIFT codes
- Number of intermediary banks involved in the transfer
Understanding foreign currency payments
Yes, you can send payments in foreign currency. Melio supports sending money in Foreign Exchange (FX), where the international payment is issued in the recipient country's national currency.
Melio supports international payments in USD and multiple foreign currencies. We're continuously expanding our currency options. You can see our complete list of supported currencies here.
Vendors with both domestic and international addresses
When you want to make an international payment to a vendor with both a domestic and international address, you'll need to create two separate contacts in Melio. Learn more here.
Unsupported industries
There are certain industries that cannot be supported. Vendors involved in diamond, charity/donation, and non-profit industries are not eligible to receive international payments through Melio.
How to make an international payment
1- Sign in to your Melio account.
2- Go to Pay in the left sidebar.
3- Create a bill to pay, select a saved bill, or pay without a bill.
4- Select Bank transfer or Credit card as your payment method.
International payments can only be made via ACH bank transfer, with Mastercard, or Visa credit card. You can find out more about the fees for international payments here.
5- Select International payment as your delivery method.
Make sure you have your international vendor’s bank info when making a payment. You won’t be able to request their details via Melio, as you’d do with domestic vendors.
6- Select the country of your vendor’s bank from the dropdown list.
Note: Unavailable countries.
Some of the countries on the list aren’t yet available for international payments. When you select a country that’s not available, you’ll get a pop-up message that says you can’t continue with the payment.
7- Add the international payment details. You need your vendor’s SWIFT or IBAN number, bank name, and account number. Once done, select Continue.
You will not be able to edit the amount. The payment amount is derived from the bill. To change it, go back to the bill and edit the amount there.
8- Add your vendor’s business details.
9- For your first payment or international payment, you’ll need to add some additional information.
If this is your first time making a payment with Melio, enter your business’s legal details. This needs to be done only once. Once done, select Save and pay.
Note: How do you enter your legal business info?
If this is your first payment or if we’re missing some details, we’ll ask you to add some or all of your legal details. We do that to ensure compliance and security. It’s impossible to process your payment without it.
See here how to enter your details.
Note: Legal details for tax ID SSN or EIN
- If your tax ID is a SSN (Social Security Number), you’ll need to add your date of birth. Select Continue.
- If your tax ID is an EIN (Employer Identification Number), you’ll need to fill in details for every owner of 25% or more of your company or any key decision makers. Select Continue.
10- Select the purpose of your payment. You can add a description to be more specific. Next, select Continue.
11- Select when the payment will be deducted.
12- Select the preferred delivery speed:
-
Regular:
- If you pay via bank account: 4-5 business days
- If you pay by card: 2-3 business days
- Fast: 1-3 business days (regardless of payment method)
Then, select Continue.
If you don’t see a fast delivery option, it’s unavailable for this payment.
13- You can leave a memo for your vendor and add their email address. The default is the invoice number to make it easier for your vendor to register the payment. Select Continue.
14- Next, review the payment details. You can edit details by selecting Edit on the left of each listed detail. You can see this is an international payment in the VENDOR RECEIVE section and the fees.
15- After review, select Confirm and schedule payment.
That’s it! Your international payment is on its way. You’ll get an email with the payment details.
You can also notify your vendor that their payment is on the way.